Credit Card Benefits: THESE 10 Benefits are Hidden in Credit Cards, You Might Not Know About Them

Jyoti — Thu, 06 Mar 2025 05:03:34 +0000

Credit Card Benefits: The trend of credit cards is increasing in the country. People use it for small to big transactions. Most people focus only on cashback, reward points and EMI options.

But there are many such features that cardholders do not use or do not pay attention to or are not aware of. If you have a credit card, then it is time to know its hidden benefits. Today we are going to tell you about 10 such hidden benefits of credit cards.

1. Expiration Date of Rewards Points

Whenever you make a transaction using your credit card, you earn points. You can use these points to get vouchers, flight tickets or discounts on purchases. However, many credit card users forget to redeem their points before they expire.

2. International Transaction Control

You get the facility to enable or disable international transactions on your credit card. This can be done through online banking, mobile app or customer service. This is a great feature to prevent fraud.

3. Contactless payment

Credit cards feature tap-and-pay transactions. These features increase security and convenience. However, many people still insert their card or enter details manually. This increases the risk of fraud. Contactless payment cards reduce the risk of skimming.

4. Balance Transfer Facility

Credit card bills can be paid by transferring the outstanding balance of a credit card to another credit card. You can pay the excess balance on your credit card using another credit card. Generally, a credit card with a lower interest rate should be used to pay bills on other credit cards. However, cardholders should keep in mind that there is a charge for transferring balance from one card to another.

5. Free access to airport lounges

Many credit cards offer free access to airport lounges. This allows travelers to enjoy comfortable seating, free Wi-Fi, and free meals. However, many users don’t check whether this benefit is included in their card or not.

6. Fuel Surcharge Waiver

Many credit cards offer a 1% fuel surcharge waiver at petrol pumps. Many people do not use their credit cards to pay for fuel thinking that there will be hidden charges. But if your card has this facility, you can reduce your fuel expenses.

7. Concierge services for bookings

Many credit cards offer concierge services. This means you can call your card company to book a flight, reserve a seat at a restaurant, or buy event tickets.

8. Free add-on cards for family

Some credit cards allow you to get free add-on cards for family members. These cards have the same credit limit and offer the same benefits.

9. No-cost EMI on large purchases

Many people pay the full price of expensive items at once. But many credit card partners offer the facility of no-cost EMI at stores.

10. Insurance cover on credit cards

Many credit cards offer free insurance benefits to their users. These may include accidental death cover, liability protection for lost cards or travel insurance.

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